A furnace or air conditioner rarely fails on a convenient schedule. It usually happens on the first 100-degree day in July or the first hard freeze in December. Summit Heating & Air offers financing through third-party lenders so you can replace a system now and pay for it over time. You apply on a tablet during the in-home visit or from a link we text you. Approval decisions usually come back the same day. Once approved, we schedule the installation and the payments start after the work is done. Nothing is due at the estimate.
Pay the full balance within 18 months and no interest is charged. Minimum monthly payments are required during the promotional period. If the balance is not paid off by the end of 18 months, interest is charged from the original purchase date at the standard rate. This option fits homeowners who plan to pay quickly.
A set monthly payment over 60, 84, or 120 months at a fixed rate. Rates as low as 7.99% APR, subject to credit approval. The payment never changes, there is no prepayment penalty, and you know the total cost on day one. Many homeowners who finance a full furnace and air conditioner replacement choose this option.
One monthly payment covers the new system, a parts and labor warranty for the length of the term, and a Two Season Care Complete membership. Terms run 10 years. You do not pay separately for tune-ups, filters, or covered repairs. At the end of the term the equipment is yours. Fits homeowners who want one predictable bill.
Financing is offered through third-party lenders and is subject to credit approval; rates, terms, and promotional periods vary by lender and applicant, and Summit Heating & Air does not make credit decisions.
The lender runs a credit check when you submit a full application, which can lower your score by a few points for a short time. Some lenders offer prequalification with a soft check first. Ask your technician which the current lender uses.
Yes, for repairs over $1,000, such as a compressor or a heat exchanger. Smaller repairs are paid by card, check, or cash when the work is done.
Usually. Local utility rebates and federal tax credits may apply to high-efficiency furnaces, heat pumps, and some thermostats. We list current rebates on the quote and file the paperwork we are able to file. The financed amount is the price after any instant rebate.
The loan stays with you, not the house. Most people pay it off from the sale. There is no prepayment penalty on the fixed-rate term, and the promotional option can be paid off at any time.
We size the system, price it in writing, and only then talk about payments.